Ugro CapitalNSE:UGROCAP +0.31%70 ROA % is 1.45% as of Mar. 2026, which is 22% below its 10-year median of 1.87. GuruFocus rates NSE:UGROCAP with a GF Score™ of 70/100 and a GF Value™ of ₹276.90 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 545 Credit Services companies, Ugro Capital ranks worse than 53.03% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Ugro Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹2,044 Mil.
Ugro Capital's average Total Assets over the quarter that ended in Mar. 2026 was ₹140,750 Mil. Therefore, Ugro Capital's annualized ROA % for the quarter that ended in Mar. 2026 was 1.45%.
The historical rank and industry rank for Ugro Capital's ROA % or its related term are showing as below:
NSE:UGROCAP'
s ROA % Range Over the Past 10 Years
Min: 0.63 Med: 1.87 Max: 7.78
Current: 1.54
During the past 13 years, Ugro Capital's highest ROA % was 7.78%. The lowest was 0.63%. And the median was 1.87%.
NSE:UGROCAP's ROA % is ranked worse than 53.03% of 545
companies
in the Credit Services industry
Industry Median: 1.92
vs NSE:UGROCAP: 1.54
Ugro Capital (NSE:UGROCAP) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Ugro Capital ROA % Related Terms
Ugro Capital ROA % Historical Data
* Premium members only.
The historical data trend for Ugro Capital's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Ugro Capital's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ugro Capital ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Ugro Capital's ROA % distribution charts can be found below:
* The bar in red indicates where Ugro Capital's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Ugro Capital (NSE:UGROCAP) has a ROA % of 1.45% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Ugro Capital and its competitors. This is 22% below median its historical median of 1.87. Over the past decade, Ugro Capital's ROA % has ranged from 0.63 to 7.78. According to the industry distribution chart, Ugro Capital ranks #289 out of 545 companies in the Credit Services industry, placing it in the top 53%.
Is Ugro Capital's ROA % too high?
Ugro Capital's current ROA % of 1.45% is 22% below median its 10-year median of 1.87. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 7.78. The Credit Services industry median ROA % is 1.92. Ugro Capital's value of 1.45% is 24.5% below this industry median. Based on the distribution chart, Ugro Capital ranks #289 out of 545 companies in the Credit Services industry, which is below the industry midpoint. Overall, Ugro Capital has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Ugro Capital's ROA % compare to V and MA?
According to the Credit Services industry distribution chart, Ugro Capital ranks #289 out of 545 companies for ROA %. This places Ugro Capital in the lower half of its industry. The industry median ROA % is 1.92. Ugro Capital's value of 1.45% is 24.5% below this benchmark. Historically, Ugro Capital's own ROA % has ranged from 0.63 to 7.78 over the past decade. While the company's 10-year median is 1.87 vs. the industry median of 1.92, Ugro Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.92, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ugro Capital's current ROA % of 1.45% is 24.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Ugro Capital and its competitors. For the Credit Services industry, the median ROA % is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ugro Capital's current ROA % is 1.45%, which is 22% below median its own 10-year median of 1.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ugro Capital stock overvalued right now?
Based on GuruFocus' analysis, Ugro Capital (NSE:UGROCAP) is currently considered Possible Value Trap. The stock's GF Value™ is ₹276.90, compared to a current price of ₹98.04 — trading 64.6% below its estimated fair value. The current ROA % is 1.45%, which is 22% below median its 10-year median of 1.87 and 24.5% below the Credit Services industry median of 1.92. Ugro Capital's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Ugro Capital (NSE:UGROCAP), the current ROA % is 1.45% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ugro Capital (NSE:UGROCAP) Overvalued in 2026?
Based on GuruFocus' analysis, Ugro Capital stock appears to be undervalued.
The current stock price of ₹98.04 is trading 64.6% below its estimated GF Value™ of ₹276.90.
GuruFocus considers Ugro Capital to be Possible Value Trap.
Key valuation signals for NSE:UGROCAP:
ROA %: 1.45% (22% below median its 10-year median of 1.87)
GF Value™: ₹276.90 vs. price of ₹98.04 (64.6% below fair value)
Industry Position: 24.5% below the Credit Services median (#289 of 545)
No single metric tells the full story. See the NSE:UGROCAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ugro Capital Ltd is a india based company, along with its subsidiarires engaged in the business of lending and deals in financing MSME sector with focus on Healthcare, Education, Chemicals, Food Processing/FMCG, Hospitality, Electrical Equipment & Components, Auto Components, and Light Engineering, Enterprise Mortgage Loans, School Funding Program, Machinery and Equipment Financing, Supply Chain Finance, NBFC Onward Lending and operates a fintech platform which forms part of the embedded finance ecosystem. The Group operates in a single segment, i.e., financing. It operates solely in India.
70GF Score
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